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Real Estate Investors Insurance

Surplus lines solutions for residential rental property owners, builders, and managers.
SUBMIT AN APPLICATION

A Single, Streamlined Policy for Clients with Multiple Residential Investment Properties

If you want to simplify the insurance process for clients that own, build, or manage diverse rental properties across numerous locations, start by working with DeCotis Specialty Insurance. We help agents secure comprehensive Real Estate Investors Insurance options from AM Best A-Rated markets that can be tailored to the distinct property and liability risks of a wide range of dwellings.

Target Classes

FOR RESIDENTIAL INVESTMENT PROPERTIES

We provide our agency partners with access to specialty insurance solutions for various types of residential investment properties including but not limited to:

  • Rental dwellings 1-6 units (up to 8 units may be acceptable if part of a wider schedule of 1-6 units)
  • Rental dwelling schedules with a minimum of 5 locations (no maximum)
  • Vacant dwellings or properties under renovation as part of a schedule​
  • Rental condo units
  • Short-term rentals
  • Commercial real estate

Coverage Options

DeCotis offers surplus lines solutions to help agents meet the complex insurance requirements of residential landlords, house flippers, builders, and property management companies.

  • Building and Business Personal Property limits up to $2 million total insured value (TIV) per location
  • General Liability limits up to $1 million / $2 million
  • Loss of Rents
  • Ordinance or Law Coverage
  • Equipment Breakdown
  • Flood or Earthquake Insurance
  • Vacant Land Liability
  • Swimming Pool Liability
  • Dog Bite Liability
  • Terrorism Risk Insurance Act (TRIA)
  • Water Backup Coverage
  • Debris Removal

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • Package or Property-only policies available
  • Fixed schedules or reporting form
  • No age limits on buildings
  • No coastal restrictions
  • Buildings with or without updates acceptable
  • Multiple named insureds acceptable
  • Multi-state policies available
  • Ability to add or remove coverage on specific locations
  • Automatic coverage for 30-day period
Flyer for Decotis Specialty Insurance promoting a Real Estate Investors Insurance program. It lists features, coverage options, and contact info, with geometric orange accents and a house photo at the top. Ideal for landlords and property managers.
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SUBMISSION REQUIREMENTS

Download the application that best suits your residential investor and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.

Dwelling SOV Spreadsheet
A residential condominium investors application form from Decotis Specialty Insurance for Real Estate Investors Insurance, featuring sections for applicant information, location, property coverage, and additional coverage options with various input fields and checkboxes.
DOWNLOAD THE CONDOMINIUM INVESTORS APPLICATION

Getting a Real Estate Investors Insurance Quote Is Simple

Select one of the following options to request a quote for your clients’ specialty insurance needs:

Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your residential investor clients may also require these products.

1-4 Family Dwelling Insurance

Designed to help owners of residential rental properties repair or rebuild their valuable investment after a loss due to fire, lightning strike, wind or hailstorm, vandalism, and more.

Learn More
Private Flood Insurance

Provides residential and commercial property owners and lessors an alternative to the traditional National Flood Insurance Program with broader protection and higher coverage limits.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Responsive Support from Experienced Underwriters
  • Customized Coverage Options
  • Access to AM Best A-Rated Carriers
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